When you need a financial cushion, an arranged overdraft could be an ideal way to handle those short-term changes in your cash flow.

Having an overdraft limit and staying within it will help you avoid paying unnecessary unarranged overdraft charges.

How to apply


Before applying for an overdraft you can find out how likely you are to be approved by using our overdraft eligibility tool and you can use our overdraft cost calculator to work out how much overdraft interest you will pay.

If you are an existing current account customer and need a new or increased overdraft limit, before you apply below please read our Overdraft brochure and our Overdraft online application FAQs:



3rd level Student account only.


Graduate account

By Phone

All other accounts


You can reduce or cancel your overdraft limit by calling us on 0800 0850 444* Monday to Friday 9:00am – 17:00pm; closed Saturday and Sunday.

*Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be recorded, monitored and used for training and compliance purposes.